The payments platform for platforms

Marketplaces and platforms use Stripe Connect to accept money and pay out to third parties. Connect provides a complete set of building blocks to support virtually any business model, including on-demand businesses, e‑commerce, crowdfunding, fintech, and travel and events.

Integrate quickly

Building the payments infrastructure for your platform used to be a big undertaking—no longer. Take advantage of pre-made UI components to launch faster and simplify operations. Sign up new users on your platform and get them paid—quickly.

Customize

Connect is API-first and lets you design the best experience for your platform. You can customize onboarding, set payout timing, allow complex money movement, and get integrated financial reporting. You own the experience from end to end.

Go global

Pay out sellers in 30+ countries around the world. You don’t need separate local subsidiaries and banking relationships in each market—Connect takes care of the complexity. Connect’s functionality is standardized, regardless of the country.

Focus on your users, not on payments infrastructure

Without Connect

Without Connect, build and maintain user onboarding, compliance, pay-in and pay-out networks, reporting, and platform operations, and take longer to launch.

With Connect

Routing payments

A powerful routing and payout engine that makes it easy to send money to recipients, no matter your business model.

Connect will automatically track balances, batch earnings into payouts, time transfers with local cutoffs, and retry failed transfers. You can also incorporate advanced flows like Account Debits, one-to-many payments, and others. Connect’s payout engine lets you specify payout timing for your users (daily, weekly or monthly). Connect lets you get recipients paid faster and removes errors and reconciliation work.

Customer

Platform

Recipient

Bank

Set up your paymentsRocketship, Inc.

Messages

Contact info

Continue

Verification code

Legal name

Date of birth

Where should we send your money?

Debit card

Bank account

Create account

You're all set

Your information has been saved

Stripe

Onboarding & verification

Paying out money is complicated by stringent laws and regulation including KYC, sanctions screening, and regulatory restrictions (and it only gets more complex internationally). We have spent years designing the simplest, highest-converting ways to onboard marketplace recipients.

You can stagger data collection to keep your signup process lightweight. We’ll notify you when more data is needed (after a recipient passes a reporting threshold, for example).

Connect even provides several recipient onboarding UIs to let you get up and running quickly (though you can always own the UI yourself with Custom accounts).

Compliance

If you’re running a multi-sided marketplace or platform, there’s no doubt you’re wrestling with payments compliance issues such as card network rules, money transmission, KYC, and tax reporting. Connect makes these burdens easier to manage by shifting some of the most onerous obligations to Stripe, letting you stay focused on your product and spend less time on compliance related tasks.

Under the hood, Connect is powered by secure credit card data tokenization to help you meet PCI obligations, contains monitoring and verification systems to help you with KYC needs and tax obligations, and leverages Stripe’s money transmission licenses in the U.S. as well as European e-money authorization.

Lawyer friendly

Dynamic risk-based KYC/AML checks for all recipients

API-based OFAC and sanctions screening

Tax reporting (e.g., 1099 support in the US)

Card industry blacklist filtering

Fund flows enabled by e-money license across Europe and money transmission licenses in the US

Screening for bad actors using data from the Stripe network

Deciphering the European regulatory landscape: a Stripe Connect guide for platforms

As the European regulatory landscape for platforms and marketplaces changes from January 2018, we share some perspectives on the things you need to know about operating a platform in Europe.

Platform management

If you’re managing payouts for large numbers of people, you need a hub for all the workflows involved. Our dashboard lets support and operations teams view every stage of the user lifecycle: account history, verification, transfers, and more.

Easily track the flow of funds from a customer to a recipient, with full records of all transactions in Stripe—we provide the ledger. Optional application fees let you specify your earnings and Stripe nets everything out.

Kosa Commerce

Home

Payments

Transfers

Customers

Radar

Subscriptions

Connect

Products

Webhooks

API

View Test Data

Beta Settings

Business Settings

Connected accounts

Connect transfers

Collected fees

Recipients

Accounts with upcoming verification due dates

Sublime Succulents
acct_19RLGo12b5oAam
Upcoming due

Owen's Pet Supplies
acct_20R0sAPMvcY781
Upcoming due

Burgundy Wine Shop
acct_6690dsOLPalQ8i
Upcoming due

Amy Carolyn Jewelry
acct_320dqoPaYOxn3c
Upcoming due

Recently connected accounts

Michael’s Hardware
acct_426klopma25kaa
Verified

Saper Travel Agency
acct_325LSOmq250gNA
Verified

Nelson Interior Design
acct_104KvnwQYOP341
Unverified

International support

Expanding internationally typically requires significant resources, time and money. With Connect, you can swiftly expand internationally anywhere Stripe operates, without establishing separate local subsidiaries. This includes credit card as well as local payment processing capabilities in over 25 countries, with charges processed centrally or locally in the recipient’s country, which saves money on fees and improves decline rates. Accept payments in 135+ currencies, pay out in 15+ currencies and present the most relevant payment methods in checkout flows to further optimize conversion rate. All of Connect’s capabilities are supported by Stripe’s core payment functionality, used by millions of businesses and available in over 30 countries. Stripe has 14 global offices, so we can support marketplaces and platforms all over the world.
See the full list of Connect features

Underwriting—with Standard and Express accounts, Stripe’s highly-trained team of risk analysts underwrite connected accounts, and design systems to help protect your business from fraud.

Cross-network visibility—benefit from Connect’s vast network of recipient and customer information—a fraudulent connected account or compromised credit card, once detected, can be tracked and disabled across all platforms.

Role-based access control—set up the right data access controls with granular roles such as Administrator, Developer, Analyst, Support specialist, and View-only users.

Dashboard access for connected accounts—when using Standard accounts, sophisticated sellers can take advantage of all the capabilities offered by the Stripe Dashboard, including powerful reporting, querying, payments management. When using Express accounts, your users can track their payouts, modify their bank account and personal information, saving you the effort to build these components on your own and reducing support contact rates.

Payments capabilities

Payment processing capabilities across 30 countries with the ability to accept payments in 135+ currencies.

Libraries across desktop, web, iOS, and Android in every language and world-class documentation.

Access to our Works with Stripe platform, which includes prebuilt tools and products to help your business with things like taxes, billing, accounting, security and more.

Access to Radar—a suite of fraud protection tools that give machine-learning based judgments on every charge, with workflows for further customization.◊

Utilize Subscriptions on behalf of connected accounts to set up recurring payments and take a platform fee in the process.

Please consult Connect documentation for details on the geographic availability of the features and capabilities listed above. Some features may not be available across all 3 account types: Standard, Express, Custom.